Kathy Larraine Payne
Lebanon,TN
Summary
Financial Education and Homeownership Specialist with a track record of simplifying complex financial topics. Demonstrated expertise in financial training and partnership development, consistently achieving objectives through effective leadership. Proven ability to engage diverse audiences and foster collaborative relationships.
Overview
41
41
years of professional experience
Work History
Homebuyer Education Specialist
Habitat for Humanity of Greater Nashville
Nashville, TN
01.2019 - 12.2025
- Facilitate, manage, develop, train, and implement financial training courses for new incoming future homeowners, and volunteer budget coaches.
- I review, evaluate, underwrite, and monitor the application process then make recommendations.
- I also oversee new grant opportunities from start to finish, help coordinate & build volunteer work schedules for incoming homeowners, and assist the team when and where needed.
- Providing data and analyzing reports is another task that falls under my job responsibilities along with building partnerships and providing onsite training to staff members as appropriate.
Financial Counseling Specialist
FEC/United Way of Nashville
Nashville, TN
01.2013 - 01.2019
- Provide professional one-on-one financial counseling to Tennessee residences, through credit building, debt reduction, budgeting and establishing a safe and affordable banking relationship.
- Position also involves negotiating, prioritizing, meeting deadlines, making referrals to partners as appropriate, facilitating financial classes, and conducting case studies.
- Was selected to promote the program by way of television, radio announcements, on-site and appeared in various marketing materials such as billboards, bus wrap, bus benches, workbooks etc.
- Was instrumental in helping the team to reach its goal in face-to-face sessions, referrals, and outcomes.
Financial Service Representative/Insurance Agent
First Tennessee
Madison, TN
01.2010 - 01.2013
- Provide services to both retail and business clients by providing them with solutions that match their financial needs.
- Daily responsibilities include creating personal profiles, cross-selling, making recommendations, outbound calling, and prospecting new and existing clients in an effort to grow their relationship, making referrals to internal and external partners and addressing customer issues and concerns as appropriate.
- Received high recognition for provide extraordinary customer service.
- President’s Award/on target to reach 115% of annual goal.
- Received high scores on mystery shops.
Business Banking Officer
US Bank
Nashville, TN
01.2007 - 01.2009
- Develop, uncover, grow, and retain new and existing relationships.
- Generate new business by identifying opportunities through outbound calls, internal and external referrals, and calling list.
- Perform research within various industries, compile data, and generate weekly reports.
- Gather loan documentation, analyze tax returns, and financial statements, calculate cash flow, and make recommendations.
- Follow up with clients in a timely manner and resolve issues and address questions as appropriate.
- Deliver presentations to business owners, supervisors, and the sales team.
- Participate in community events and build a referral base.
- Ranked in the Top 20 percentile within the region.
- Expanded portfolio growth within assigned branches.
- Work well with internal and external clients.
Branch Manager AVP/Coordinator
SunTrust Bank
Nashville, TN
01.2003 - 01.2007
- Manage, monitor, and oversee daily operational branch functions.
- Grow relationships, help develop new business opportunities, ensure assigned portfolio clients are called on and profiles updated.
- Cross-sell products and services over the phone and in person.
- Develop team members, coach, motivate, train, recruit, hire, evaluate, and make recommendations.
- Handle monetary banking transactions with clients, address issues of concern, and deliver a positive memorable experience during each client interaction.
- Administer audit procedures, hold weekly sales meetings, facilitate objection clinics, hold in-house sales campaigns to increase sales, and participate in community events, local school functions, and workshops.
- Rapidly received advancements/promotions due to performances.
- Receive recognition for exceeding business banking sales goals.
- Branch was recognized as one of the top-performing offices in the region.
- Invited to attend a Management Training Workshop for high performers.
Branch Manager 2nd VP/ Customer Service Representative
Comerica Bank
Detroit, MI
01.1985 - 01.2003
- Manage and oversee daily branch functions, ensure audit procedures are carried out, facilitate weekly branch sales meetings, create in-house sales campaigns, assign job duties, hire, train, motivate, evaluate staff members.
- Handle and process bank transactions, score loans, cold calls, tele-consulting calls and update data and client profile reports.
- Participate in all sales promotions, implement ways and ideals to generate, retain, and expand new and existing business.
- Received R.O.A.R. (Recognizing Outstanding Achievement Results) Award in Sales.
- Selected to appear in a Video Taping representing the company’s sales philosophy.
- Successfully facilitated 12 Quality Service Workshops for 264 employees of all different levels.
- Performed presentations to new and existing clients on banks products and services.
Education
Bachelors of Arts - Business Management/Social Science
Marygove College
Detroit, MI01.2001
Skills
- Interpersonal skills
- Self-motivation
- Leadership and sales
- Team collaboration
- Commitment and trustworthiness
Volunteer Experience
- Junior Achievement
- Tennessee Saves
- Joy of Life Foundation
- Chamber of Commerce
- Coach-Little League/Southfield Lathrup
References
References provided upon request.
Timeline
Homebuyer Education Specialist
Habitat for Humanity of Greater Nashville
01.2019 - 12.2025
Financial Counseling Specialist
FEC/United Way of Nashville
01.2013 - 01.2019
Financial Service Representative/Insurance Agent
First Tennessee
01.2010 - 01.2013
Business Banking Officer
US Bank
01.2007 - 01.2009
Branch Manager AVP/Coordinator
SunTrust Bank
01.2003 - 01.2007
Branch Manager 2nd VP/ Customer Service Representative
Comerica Bank
01.1985 - 01.2003
Bachelors of Arts - Business Management/Social Science
Marygove College